When a person develops a debilitating disease or suffers some sort of incapacitating injury, it can be devastating on multiple levels. For instance, they may no longer be able to enjoy their favorite hobbies, engage in as many family activities or even continue working in their chosen profession.
As far as employment is concerned, this devastation stems not just from the fact that they may no longer be able to do what they love, but also from the uncomforting reality that their ability to cover basic living expenses and the roof over their head may be severely comprised.
While things can seem very bleak in these situations, people may be able to derive some comfort from the fact that the long-term disability policy they previously purchased will help cover some of the financial losses caused by the onset of their career-ending illness or disability.
The unfortunate reality, however, is that even though people have made years of regular payments on their long-term disability policies, insurance companies will routinely refuse to honor their obligations.
Indeed, some of the more common reasons offered by insurance companies for refusing to make payments under private disability policies include:
- The insured is not actually disabled
- The insured’s disability is only temporary
- The insured’s disability is not severe enough to prevent them from pursuing alternate employment
In these truly upsetting scenarios, it’s important for people to understand that they are not at the mercy of the insurance company.
At Ver Ploeg & Lumpkin, P.A., we are dedicated to helping disabled policyholders who find themselves in these difficult circumstances secure the benefits to which they are entitled. To learn more about our how considerable experience, vast resources and comprehensive knowledge can help in your long-term disability claim case, please visit our website.Share